We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 362195 results
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Decision Reference DRN-5014564
25 Nov 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-5014564 Complaint Mrs C has complained about an overdraft that Santander UK Plc (“Santander”) provided to her. She says the overdraft she was provided with, which then had its limit increased, was unaffordable for her and has exacerbated her debt position. Background Mrs C initial... (3 pages)View decision -
Decision Reference DRN-5120796
25 Nov 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-5120796 Complaint Mrs A complains that MotoNovo Finance Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Mrs A is being represented in her comp... (3 pages)View decision -
Decision Reference DRN-5163683
25 Nov 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5163683 Complaint Mr T has complained about the quality of a car that Moneybarn No.1 Limited (trading as “Moneybarn”) supplied to him through a conditional sale agreement. Background Mr T has also complained about Moneybarn’s actions during the course of him exercising his right to... (7 pages)View decision -
Decision Reference DRN-4986137
25 Nov 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4986137 Complaint Mr S has complained about an overdraft that Bank of Scotland plc (trading as “Halifax”) provided to him. He says the overdraft he was provided with, which was then had its limit increased, was unaffordable for him given he already had other loans and overdrafts at... (3 pages)View decision -
Decision Reference DRN-5029435
25 Nov 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5029435 Complaint Mr N has complained that Lloyds Bank PLC (“Lloyds”) continued to allow him to use his overdraft over an extended period and even when he was in financial difficulty. Background Lloyds increased Mr N’s overdraft limit to £4,000.00 in March 2017. In May 2024, Mr N c... (4 pages)View decision -
Decision Reference DRN-5164554
25 Nov 2024 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-5164554 Complaint Mr B is unhappy with what Mercedes Benz Financial Services UK Limited (“MBFS”) has agreed to do to put things right for him after it agreed that it supplied him with a car that it accepts wasn’t of satisfactory quality through a hire-purchase agreement. Background... (4 pages)View decision -
Decision Reference DRN-5158903
25 Nov 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5158903 Complaint Mr M has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says the credit card was irresponsibly provided to him as he already had plenty of other debts and so it was unaffordable. Background Zopa provided Mr M with a credit card with... (3 pages)View decision -
Decision Reference DRN-5139696
25 Nov 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-5139696 Complaint Mrs M has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that it ought to have known the loan was unaffordable. Background 118 118 Money provided Mrs M with a loan for £2,000.00 in September 2020. This loan was... (3 pages)View decision -
Decision Reference DRN-5005424
24 Nov 2024 U K Insurance Limited Not upheldInsuranceDRN-5005424 The complaint Mr D and Mrs W complain that U K Insurance Limited (“UKI”) unfairly settled a theft claim proportionately and excluded certain high value items from cover altogether. What happened Following a burglary at their home, Mr D and Mrs W made a claim to their insurer... (3 pages)View decision -
Decision Reference DRN-4966180
23 Nov 2024 Solium Capital UK Limited UpheldInvestmentsDRN-4966180 The complaint Mrs T complains Solium Capital UK Limited trading as Shareworks by Morgan Stanley (“Solium”) misled her and she lost employee share plan benefits as a result. What happened Mrs T’s employee share plan gave her the right to buy shares in her employer at maturity... (4 pages)View decision
